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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,742 | $55,437-33.7% | $155,534-76.4% | $74,459-50.7% |
| Participation rate | 35.0% | 61.9%-26.9pp | 78.2%-43.2pp | 67.2%-32.2pp |
| Annual return | 15.12% | 269.58%-254.5pp | 64.92%-49.8pp | 1369.70%-1354.6pp |
| Employer contribution / active EE | $1,211 | $2,266-46.6% | $4,675-74.1% | $2,626-53.9% |
| Participant deferral / active EE | $2,617 | $2,837-7.8% | $5,630-53.5% | $4,350-39.8% |
| Admin fee / account holder | $1,195 | $1,742-31.4% | $15,900-92.5% | $1,945-38.6% |